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    We Can Help You Find The Best Way to Consolidate Your Debts

    Are you stressed out from constant harassing phone calls and letters from your debt collectors? Is your credit card maxed out, with more and more fees being added to your credit card balances every single month?

    Once credit cards start to reach their limits, it’s easy to get trapped in a cycle of over-the-limit charges, penalties, and higher interest rates, making it even harder to get things back under control. The anxiety caused by piling up credit card debt can be overwhelming. When debts keep growing faster and faster, it can feel like there is no way out.

    If you feel like there’s no escape from your bad financial situation, take a breath because there IS a way to get help. From debt consolidation to credit counseling, there is always an option to gain back an excellent credit score.

    Debt consolidation is one way to get relief from the stress of growing unsecured debt that you can no longer pay comfortably (if at all). At Alleviate Financial Solutions, we help you in consolidating credit card debt into one monthly payment that’s easy to budget for, often slashing balances in the process, reducing interest and penalties so you can get out of debt faster.

    What is Debt Consolidation?

    Debt consolidation can also be referred to as debt adjustment or debt settlement. Companies that offer debt consolidation like Alleviate Financial Solutions specialize in negotiating with creditors directly every day, so you can rest assured you’ll get the most beneficial debt consolidation program and debt management plan available to you.

    With a debt consolidation plan, you’ll be able to pay off debts easier and in a far shorter span of time than if you attempted doing it alone and by continuing to pay the revolving interest charges on your credit card balance each month. This type of interest eats up your payments, making it difficult to pay down your debt or save money at all.

    On the other hand, a debt consolidation program converts the debt over to simple interest that takes far less time to pay down. More of your payment each month will go to reducing your debt, strengthening your certainty that you’re one step closer to financial freedom.

    Debt consolidation with Alleviate Financial includes:

    • Reducing unsecured debt balances by slashing interest and fees
    • Reducing the overall amount paid on debt each month
    • Reducing your debt balances more each time you make a payment
    • Reducing fees and over-the-limit charges to lessen overall debt
    • Reducing the total time it takes to get out of debt and back on track

    What Type Of Debt Can I Pay Off Through Debt Consolidation?

    Debt consolidation can be a beneficial option for alleviating the burden of high-interest unsecured debts like credit cards, personal loans, or medical debts. By consolidating everything into one payment rather than multiple payments, you can both simplify your budget and have less going out every month. The best part is you’ll actually get out of debt sooner than if you’d continued paying higher payments!

    The reason you’ll have to pay lower payments but get out of debt faster is that you’ll only be paying simple interest, and no new interest charges will be added to the balance each month. Unlike with credit card debt, where you’re charged interest on the entire balance every single month. Eventually, you wind up paying interest on interest, so it’s no wonder that type of debt is nearly impossible to escape once it grows to a certain point!

    One key distinction to keep in mind about debt consolidation is that not all types of debt qualify to be included together in the debt relief program. Secured debt isn’t eligible for debt consolidation programs because this type of debt is backed by tangible assets like a car or a home.

    With secured debt like home equity lines of credit, the lender can repossess or foreclose on the property that backs up the loan if the borrower stops paying. Because lenders can take back the property you borrowed, it’s critical to always pay these bills on time and before your unsecured debts if you’re struggling to stay ahead financially. Never risk losing your car to pay a credit card bill—credit cards can’t get you to work!

    Can I Consolidate My Student Loans And Credit Cards?

    Another consideration when it comes to student loan consolidations is that your student loans can’t be included in an unsecured debt consolidation program.

    If you need to change your terms for your student loans, it’s best to contact the lender directly to develop a debt management plan to maintain timely payments. In some cases, it’s possible to combine student loans into one consolidated loan, but that depends largely on the type of student loan, and not all qualify. Again, these loans are not for unsecured debt like credit cards, personal loans, or medical bills debt.

    Finally, remember that student loans cannot be included in bankruptcy, either. If your financial situation is bad enough, the student loan lender may grant you a forbearance, which is essentially a break from having to make payments. Note, the debt doesn’t go away with forbearance—it’s just a pause on your payments until your financial situation improves to the point you can resume paying down the loan amounts.

    Debt Consolidation Services from Alleviate Financial

    Debt consolidation services provide a superior financial alternative to filing for bankruptcy for the majority of people dealing with growing unsecured debt. Bankruptcy may wipe debts clean, but they require lengthy court processes and costs, along with affecting your credit score for ten years.

    Instead of having a bad credit history for up to ten years with bankruptcy, debt consolidation may only affect your credit history for a few years while you’re paying down the program. Although there’s a lesser negative effect on credit, consolidating credit card debts still provides relief from heavy debt payments and embarrassing collection calls that are drowning you financially and causing daily stress.

    Debt consolidation services from Alleviate Financial Solutions help people like you get relief from the stress and anxiety of constant calls from creditors or debt collectors and nasty letters demanding immediate payment on an ever-growing debt.

    Finally Escape Your Growing Unsecured Debt

    Unsecured debt can quickly spiral out of control, making it difficult to impossible to get back to a manageable level. Once limits are exceeded, fees pile up, and interest charges are increased, making the debt rapidly inflate. When this happens, payments can quickly jump, making it harder to pay the bill on time, resulting in late fees. In situations like this, you need someone on your side to deal with your creditors to chop down fees and interest so you can get back on track.

    Alleviate Financial has top negotiators who are ready to help you consolidate debts and get things turned around financially. We speak to your creditors on your behalf to come up with a debt consolidation plan that makes sense for your financial goals and works for your best interests.

    We help make paying off your debt more manageable, and we help you get it done in less time. By consolidating your debt into one lump-sum payment every month through a debt settlement, you’ll have a straightforward amount to budget for and at a lower total expense than your current combined payments. With this option, you’ll be able to save money as well!

    Another reason debt consolidation helps you pay unsecured debts faster is that the interest is simple rather than revolving, so you aren’t being charged new interest on top of old interest each month. More of your monthly payment goes toward paying down your balance instead of interest to the credit card company.

    Aside from having a more manageable single monthly payment, debt consolidation saves many of our clients thousands of dollars in interest charges and fees, such as over-the-limit charges and penalty interest rates. This reduction in your balance helps you get out of a dire financial position much sooner, and each payment will be making a more significant difference toward getting you on track financially.

    Our passion at Alleviate Financial Solutions is helping people alleviate their money stress and regain their financial freedom. We understand the kind of pressure caused by the financial effects of unsecured debt companies’ practices that increase debt quickly, and we are here to stop them from continuing to make your day harder than it already is.

    We’re determined, experienced advocates who constantly strive to provide you the debt relief you deserve. We want to see you succeed financially and in life.

    What Debt Consolidation Results Can Alleviate Financial Give You?

    Ready to put a stop to harassment and being hit with high fees by your creditors? Here at Alleviate Financial Solutions, we work hard every day to get the best debt consolidation results for people in situations just like yours. When you take the first step toward a new financial future, you can expect our debt consolidation experts to deliver the relief you’ve been needing.

    You’ll be able to free yourself from your debts faster than without debt consolidation, often in a few years. When paying unsecured debt like credit card debts, the interest charges can eat up most of your monthly payment, making it take an extremely long time to pay the principal balances down.

    Professional assistance from seasoned experts in debt consolidation can provide assurance that you’ll get the most significant reductions in your debt balances possible. Our seasoned negotiators deal with creditors every single day to get the lowest rates in interest charges, late fees, and over-the-limit fees that have been making it so difficult to pay off debts.

    Once our team reaches an agreement with your creditors, you’ll be set up on a program with one lower yet more impactful payment into a debt repayment savings account.

    No longer will you be dealing with paying multiple payments that cost you more but never move the needle on getting out of debt. One simple payment helps you budget with the peace of mind that if you stay on track until the program’s end, you’ll pay off the debt and be financially free again.

    As part of our commitment to your financial well-being, we help you establish intelligent financial habits to get you out of debt faster and stay out of debt long-term. We regularly publish resources for getting out of debt on our blog and YouTube channel to help you stay out of a bad financial situation in the future. Once we help you escape the grip of unsecured debt, it’s our mission to help keep you from ever finding yourself in that stressful situation again.

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    When credit card accounts start to reach their limits, your chances of the credit card companies charging you over-the-limit fees, higher interest rates, and late fees increases. Once you default on your credit card accounts, the credit card companies exercise their full power to heap on fees and interest, making it even more likely you’ll be trapped in a downward financial spiral.

    Thankfully, the debt relief pros at Alleviate Financial Solutions are equipped with a wealth of knowledge and experience. Our team is wholeheartedly committed to giving our clients industry-leading service that produces unmatched results. We have helped thousands of customers achieve financial stability by settling their debts for less than what they owe, and we look forward to helping you as well!

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    DEBT CONSOLIDATION FAQs

    Debt consolidation loans are popular because for many people, they can actually lower the monthly amount that you have to pay. If the majority of your debt is credit card debt, this type of loan can have major financial benefits. That’s because this type of debt has a high interest rate.

    The process of qualifying for a consolidation loan is similar to qualifying for any other type of loan. Lenders will look at a variety of factors, including your credit score, income, and the amount of debt you have.

    Many have a minimum credit requirement, but some bad-credit debt consolidation loans exist.

    For many debt consolidation loans, it takes about 7 business days for the lender to make a decision. Some lenders do offer an immediate rejection or approval for loans, however.

    If you have bad credit, that may be a barrier to getting a debt consolidation loan. Another common reason is an income that is too low.

    If you have a huge amount of debt, the size of the loan you need to get can also be a barrier. Getting approved for a $50,000 loan can be tough.

    Yes, you can consolidate your debt into one payment by using a debt consolidation loan that will cover the entirety of your debt.

    Yes, debt consolidation can affect your credit score. However, if you go about the process as advised by professionals, the negative effects will be temporary and you will soon see your credit go back to normal.

    Adding a new account in the form of a loan lowers the ages of your existing accounts, which can lower your credit score a bit. You’ll also be using a higher percentage of your credit, which is another ding to your credit.

    However, you can build up your debt consolidation over time because it enables on-time payments and will help you get to a lower credit utilization.

    There’s no debt consolidation minimum, and the right amount depends upon your personal finances. If you have numerous sources of debt that are accumulating lots of interest and affecting your finances, then it may be worth the effort to consolidate them.

    Debt consolidation doesn’t show up on your record the way that other credit events do, but it can negatively affect your credit. However, in most cases the negative effects are temporary. If debt consolidation is right for you, the positive effects such as a lower credit utilization will outweigh the brief negative ones.